Analytical Strategies for Better Lending

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• Analytical Strategies for Better Lending

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About Ser Technology

• Headquartered in Dallas, Texas
• Founded in 1994
• Profitable, privately held company
• Over 2,000 clients

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Client List
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Why Online Decisioning?

• Forrester Research estimates that in 2003 more
  than 160 billion in consumer credit alone will
  be extended online
• Catch this wave, dont be left behind !

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Why Online Decisioning?
CODA Client Top Responses

• Increase loan volume through streamlined
  processing
• Extend selling reach through remote access
• Reduce operational costs
• Improve quality and compliance

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Why Online Decisioning with CODA?
Each CODA System is designed specifically to meet
the needs of our client. Our goal is to provide
your Credit Union with the most effective and
efficient lending delivery channel.
Rules and Knowledge Based Credit Evaluation
Effective and efficient delivery channel
Benchmark Ratios
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CODA Infrastructure

• ASP solution
• Multiple lending channel delivery
• Instant response time (10 seconds or less)
• One-to-One Decisioning
• Accessibility to all major credit bureaus
• OFAC compliance
• Integration via XML to all external systems/data
  sources
• ALM Positioning through FAIRReview
• Nationally known economist performs lending
  policy and interest rate review for system
  development
• Decision Analytics
• Analysis tools designed to help clients
  understand in depth current practices and
  strategy evolution

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FAIRReview

• A financial, ALM review of lending policies
  and interest rates performed specifically for
  CODA system development by Dr. Charles Idol,
  Ph.D, former Chief Economist for Texas Credit
  Union League and Southwest Corporate.

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A holistic framework based on the continuous
analytical and systematic evaluation of the
online lending process.
Feedback
FairReview
CODA Instant Decisions
CODA Analytics
CODA Historical Transactions
Control
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• Multi-dimensional models to analyze applications
  and referrals by
• Time/Date
• Offer Status
• Applicant Status
• Application Location
• Application Type
• Credit Score Group
• Gross Salary Group

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• Web based access
• Standard reports in Excel or HTML format
• Easy Excel integration
• Other BI tool too such as Panorama, ProClarity,
  Cognos Business Objects !

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• Example Analysis
• Show the referral rules for August by Credit
  Score Group, Gross Salary Group, Applicant Status
  and Application Type, Identify the rule with the
  greatest rate of occurrence

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How is Ser Technology Different?
FOCUS is our advantage we do one thing, and we
do it better than anybody resulting in maximum
ROI, and minimum cost risk